Boise ID

How much home insurance do you need in Idaho?

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Boise, ID continues to be a magnet for those looking to retire because of the city’s low cost of living and the beautiful scenery that encompasses the area. So many people moving to the region may prompt homeowners to consider how much home insurance they need. The agents at Fuhriman Insurance Agency can help you determine if your insurance is enough coverage or if you should consider upgrading your plan. 

What is the median home value in Idaho?

The average person who moves to Idaho can expect to pay about $290,00 for a single-family home. Most buyers pay upwards of $350,000 for homes in the state. 

Individuals moving to Boise ID can expect to pay as much as $350,000, if not more, for a home. The primary reason that homes cost more in this city is due to location. Boise is home to a popular university that students from around the world attend. The city is also the capital of the state, which means that more tourists are prone to visit Boise before exploring other parts of Idaho. 

Does your insurance plan measure up?

Some homeowners purchased properties in Boise before individuals from other states became interested in the region. Thus, your home insurance plan may require an upgrade. 

The best home insurance policies offer enough coverage for relocation and the purchase of a new home if your current house is damaged beyond repair. Your policy should also take into account property upgrades as well as the possessions inside your home. 

Some Boise, ID homeowners hire an appraiser before purchasing new home insurance policies. You can go this route in addition to calling the agents at Fuhriman Insurance Agency for a quote. Call today!

Auto Insurance for Carpooling

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Carpooling has many advantages which include saving money, reducing stress (when it is not your turn to drive), and saving time if there is a special carpool lane. Carpooling is good for the environment, prolongs the life of your vehicle, and reduces traffic.

Talk with your agent at Fuhriman Insurance Agency, serving Boise, ID and the surrounding area if you are planning to be carpooling to work because your auto insurance needs to be adjusted for this use. Let your agent know if you are going to receive any money from your employer for carpooling expenses.

If your work provides a vehicle for your use, then the insurance may already cover what you need for carpooling. Have your agent review any auto insurance policies that are already in place to make sure you have adequate protection.

Also, inform your agent if you plan to allow any other people to drive your vehicle or if you plan to drive a vehicle owned by another person. This can change the type of auto insurance coverage you need. For those you wish to allow to drive your vehicle regularly, your agent may advise you to add them as a designated driver on your auto insurance policy. This will help make sure there is adequate coverage for another person who is driving your auto.

Replacement Value Coverage and Extras

Talk with your agent about the advantages of having replacement value coverage for your vehicle, emergency road assistance, and rental car coverage if your vehicle is being repaired. This extra protection is wise to have when more than just you are relying on your vehicle to take everyone to work.

Contact your agent at Fuhriman Insurance Agency in Boise, ID for a complete auto insurance review and a quote to make sure you have adequate protection for carpooling and all of your auto insurance needs.

HELPFUL AUTO INSURANCE TIPS TO KEEP YOU SAFE

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What is Auto insurance?

It is a cover purchased by vehicle owners to mitigate against losses of auto accidents. It’s a contract between you and the insurance company to protect you against financial loss in the event theft or an accident.

What is covered by Auto insurance?

A policyholder is provided with the following coverage

  • Property-such as damage or theft of your car.
  • Liability responsibility- for bodily injury caused to others or property damage.
  • Medical-such as the cost of treating injuries or rehabilitation.

 Policyholders pay premiums to an auto insurance company. Premiums amounts are based on many factors such as age, gender, years of driving experience, among other factors.

Boise, ID, being a capital city, is one of the most populated towns. With very crowded streets, you need to have an Auto insurance cover that protects you and your vehicle. It is the state law to have an Auto Insurance. Our agents at Fuhriman Insurance Agency will guide you on the most vital details of your cover. Much consideration will be placed on factors affecting your cover while living in Boise, ID.

A critical factor to consider would be the liability coverage. Fuhriman Insurance Agency will advise you on the required limits required to adhere to the state requirements. The liability coverage will cater for any damages that you could cause on other people’s property or vehicles.

Collision coverage caters to dents and collision damages though this is not required by law. All residents of Boise, ID have required minimum liability coverage as required by the state. Comprehensive coverage covers theft, damage from weather-related situations, fire and much more.

Team up with our Fuhriman insurance agents to have a customized policy that meets your insurance needs.

How will pest control insurance in Boise, ID benefit me or my business?

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If you have a pest control business in Boise, ID, you understand the special challenges and risks you deal with. You have special equipment, at least one truck, and chemicals that could be dangerous if misused. The place where you store your equipment and supplies is also important.

At Fuhriman Insurance Agency, we understand how important it is to protect your business and your customers. With pest control insurance, you can protect all your assets in one place without having to deal with multiple policies from different companies.

What Might You Want to Cover with Your Pest Control Insurance?

  • Any automobiles you use, such as work trucks, can be covered with a commercial vehicle policy.
  • You can get commercial real estate insurance to protect your base of operations.
  • A liability policy will protect you in case of an accident if you are found to be liable.
  • You will want to make sure your insurance covers you if there is a fire, burglary, or other kind of disaster.
  • You can add on anything you need, depending on the needs of your company.

Every business in Boise, ID is at least a little bit different, and while you don’t want to leave yourself unprotected, you also don’t want to pay for any kinds of coverage you won’t really need. At Fuhriman Insurance Agency, we can individualize your policy so you only get the coverage you really want. If you have a pest control business you want to get the best protection for, please feel free to call and see how we can help you get the policy you need.

Is Your Home Winter Ready? Discover the Best Quotes at Fuhriman Insurance to Keep You Safe and Warm

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How our Boise, ID agency can keep you safe and warm during winter.

Fuhriman Insurance Agency in Boise, ID has the wherewithal to maintain and protect your home during the colder and more challenging months. Being winter-ready means having solid and comprehensive protection for you, your family, and your most prized belongings. Our professional agents can offer individualized quotes that ensure every square footage of your prized possession is safe.

The meaning of being solidly and properly insured

Boise, ID is a lively city that boasts year-round climates and seasonal shifts where everyone needs to be prepared for unforeseen obstacles. Wintertime especially poses risks to freezing and icy temperatures that can jeopardize your home structure if not protected. Fuhriman Insurance Agency aims to prevent any potential cold weather calamities that can reduce the value of your property and increase the potential of damage to your home. 

Instances of frozen pipes, ice dams, heavy snowfall, these are the external factors that nature places on dwellings in the Boise ID area. As our agents have been skilled to understand each individual situation on a personal level, we invite you to receive an online quote or schedule an in-person appointment to have your questions and concerns answered with compassion and care.

Being properly insured as a homeowner involves several measures, including:

  • Conduct regular home maintenance of the entire property.
  • Upgrade older features of your home in dire need of repairs.
  • Install extra protection such as rain gutters and security systems to maintain a dry foundation and keep a watchful eye on snowpack and theft.
  • Invest in a quality snowblower to clear out debris in the driveway that can leak into the garage.

Protect your investment today!

 

Why Umbrella Insurance is Essential For Idaho Residents Who Work With Children

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Do you own a daycare or childcare facility in Boise, ID? If so, you should supplement your current insurance policy with umbrella insurance today. Working with children is one of the most rewarding job positions, but it also comes with a lot of risks that could permanently damage your business. At Fuhriman Insurance Agency, we offer our clients a supplemental option of liability coverage with umbrella insurance. 

What is umbrella insurance?

This is a supplemental liability policy for individuals who want to protect their assets should they be sued and need to pay damages beyond the initial policy. For these daycare workers, umbrella insurance can provide financial protection should you be found responsible for damages. 

Accidents can happen.

If you work with children, accidents have the potential to happen. While a childcare worker may not maliciously intend for any damage to be done while under their care. With umbrella insurance, if you are at fault and your initial liability policy does not cover the cost of your damages, your umbrella insurance policy will pick up the difference. 

Umbrella Insurance builds a positive reputation. 

When a child care worker takes on umbrella insurance for coverage, they are seen as responsible and considered more frequently than others. With the need for child care growing in Boise ID, it is good practice for these individuals and businesses to pursue umbrella insurance as a layer of financial protection. 

This coverage is a supplemental policy and not a primary coverage option. If you live in the Boise, ID area and are looking to acquire umbrella insurance, give our agents at Fuhriman Insurance Agency a call today to get more information about the coverage and supplementing it to your home, vehicle, or business today. 

 

Why You Need to Get Commercial Insurance When you are in Idaho

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If you have a dream of owning a small business, one great place to start your company is in Boise, ID. One of the main advantages of starting a company here is that there is a great local economy. While there is a lot of opportunity that comes with starting a business in Idaho, there are also some risks. One way to mitigate some of these risks is by getting commercial insurance. There are several reasons why you need to get commercial insurance.

Protects Your Investment

One reason to get commercial insurance is that it can help to protect your investment. When you are going to start a company of any size, you will need to spend money on inventory, equipment, and other assets. If there is a fire or other type of damage-causing situation, you could end up losing this investment. Fortunately, commercial insurance will be able to protect you in these situations.

Gives Liability Protection

Business owners also need to make sure that they are protected from liability. If you are found liable for an accident, the impact could be devastating. Fortunately, when you have commercial insurance you will receive coverage for these situations. 

If you are an owner or a manager of any kind of company in the Boise, ID area, it is clearly very important that you get a good commercial insurance policy. When you are looking for insurance for your company, you should contact Fuhriman Insurance Agency. The insurance team at Fuhriman Insurance Agency can help you to better understand all of the options that are available for small businesses. They can then help you to build and choose a policy that will provide you with the right type and level of coverage. 

Do I need life insurance if I’m not married

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The question of the part that marriage plays in the need for life insurance is one that should be considered. Whether or not people depend on you is not contingent on your being married. When considering life insurance, the most important consideration is what will happen to anyone who counts on you if you were to die without having life insurance. The experienced staff at Fuhriman Insurance Agency in Boise, ID help their customers to make informed decisions when it comes to insurance. 

If you have no dependents, have no debt, have the assets to cover those debts and have prepaid your final expenses, you may not need life insurance. This can be true for persons of any age who fit these criteria. For everyone else, there are some things that need to be considered.

  • What is your overall financial condition?
  • Do you have assets? 
  • Do you have people who depend on you for their support? 
  • How long would the support need to continue after you are deceased? 
  • Do you have a mortgage or other debt? 
  • Are your final expenses prepaid or is there money to pay them? 

Marriage is a legal contract and it makes your spouse the beneficiary of your estate and your life insurance in most cases. You may be in a relationship that is not marriage but where you want to protect your partner and make sure they are cared for. You may have dependent children even if you are not married and you may want to leave a legacy to any children you may have even if they are not dependent on you for support. 

Whether or not you are married has little or no effect on the need you may have for life insurance. How much you need is something that you can discuss with the  Fuhriman Insurance Agency in Boise, ID. We have the knowledge to help you. Give our office a call or stop by and discuss your insurance needs. 

 

 

What Is Pest Control Insurance?

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Pest control insurance is one of those things many people do not think of unless they are specifically in the pest control business, even then it is often simply something to check off for licensing but rarely fully understood. Here is a bit of information to help you better understand the purpose of your pest control insurance. Fuhriman Insurance Agency serves the city of Boise, ID with quality insurance services for your company, life, home, and vehicle.   

Why Do You Need Specific Pest Control Insurance to Run an Exterminator Business in Idaho? 

To answer the question of why you need this insurance for your pest control business lets discuss what it is and what it likely covers for your company. 

A typical Commercial policy may cover occurrences such as vehicle damage, property loss, and even civil suits depending on the coverage terms. However, a pest control business is a unique situation that has veritable risks that another business may not have. The state of Idaho requires those running a pest control business to be fully licensed and insured. Additional educational requirements and insurance are to keep you, your clients, and the environment safe from the harsh chemicals used to accomplish the task of pest control. 

Pest control insurance offers protection for the business owner by offering specific coverage for things that may happen in the business. From typical coverage such as business liability and commercial vehicle liability that most companies have, to fumigation coverage, personal property damage coverage, pollution coverage, and risk management services, depending on the policy. Pest control insurance protects your personal situation better than a typical insurance policy. 

Contact Us at the Fuhriman Insurance Agency for more information about Pest Control Insurance in Boise, ID and the surrounding areas. 

How Long Do Car Accidents Stay on Your Record in Idaho?

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Whether you’ve just gotten into a car accident or were involved in one a year ago, it’s only natural to be concerned with how long it will stay on your driving record. However, it’s not so much your driving record you should be focused on but the points that are on it. At Fuhriman Insurance Agency in Boise, ID, we’re making it our mission to help all drivers understand the law better so they can get the insurance coverage they need. Keep reading to learn more:

Points and Your Driving Record

The truth is that your full Idaho driving record will always include the fact that you’ve been in an accident, as well as any other traffic violation you may have made. That said, the thing that most people will actually be looking at are the amount of points you have. That’s before you accumulate points for every traffic violation, whether it’s a full-scale accident or simple speeding violation. However, the amount of points you receive can vary greatly, especially when it comes to accidents. In the state of Idaho, you can lose your license once you accumulate 12 points.

The good news, however, is that in many cases points will gradually be removed from your driving record as time passes by. You may also be eligible to deduct up to three points from your record by taking a state-approved defensive driving course.

Why it’s So Important to Contact Your Insurance Agency Right After an Accident

The sooner you report the accident to your insurance carrier, the faster they can start working on assessing the claim and what you might be liable for. In many cases, the other driver(s) involved in an accident may say you’re at fault, but upon further review of the police report, your insurance carrier may find that you are actually not entirely the one to blame. Even if the accident is going on your permanent driving record, there’s no need for the cost of the incident to permanently wreck your finances.

Do you live in the Boise, ID area and have more questions about driving and license laws in Idaho and how your insurance may be affected? Contact the experts at Fuhriman Insurance Agency today.